mobile phones are really driving that connection. at kiva, we run an internet marketplace. people can lend to other people for the purpose of starting a small business, going to school or a variety of other good causes. you can go to kiva.org and you can see pictures and profiles of people from over sixty countries all across the world. you can lend them as little as $25. if they are successful, they will pay you back. dear rixi, you're a honduran immagrant. you're coming to the us, you have an idea to start, you know, a women's cosmetics store or a clothing store. you're going to need a lot of things, ya know, to pay the rent, permits inventory, advertising, marketing so that adds up quite a bit. you're going to need tens of thousands of dollars to start a small busines. there is ten million-plus people completely left out of the formal finical system. banks don't lend to people like that at all.